Repay CCI Charge on Bank Statement [Explained]

Spotting a “Repay CCI” charge on your bank or credit card statement can raise questions, especially if the amount is small like $1.97 or appears alongside another payment. You’re not the only one who has looked at this line item and wondered where it came from.

This article explains exactly what the Repay CCI charge on bank statement is, why it shows up, how to confirm it belongs to you, and the simple steps to take if something looks wrong.

What Is the Repay CCI Charge?

Repay CCI is a billing descriptor used by REPAY (Realtime Electronic Payments), a payment technology company based in Atlanta, Georgia.

REPAY processes payments for many lenders and consumer finance companies.

The “CCI” portion refers to Concora Credit Inc., a company that offers credit cards and financing programs, especially for non-prime consumers.

When you make a debit-card payment toward a Concora Credit account, REPAY often handles the transaction.

On your statement the charge commonly appears as:

• REPAY CCI
• REPAY CCI 877-6075468 GA
• REPAY CCI followed by a phone number or location code

The most frequent amount people notice is $1.97. That is the convenience fee REPAY charges for processing a debit-card payment to a Concora Credit account.

The main payment itself usually posts separately under “Concora Credit Inc” or a similar name.

REPAY is a publicly traded company (Nasdaq: RPAY) and a legitimate payment processor. It is not a subscription service or a random merchant.

Why Did This Charge Appear?

Here are the most common reasons you see a Repay CCI charge:

• You made a debit-card payment on your Concora Credit account through their app, website, or phone system.
• An automatic or scheduled payment used a debit card, triggering the $1.97 processing fee.
• A family member or authorized user on your account made a payment.
• You paid a balance, minimum amount, or other charge linked to a Concora Credit product.
• Less often, it can be a one-time verification or authorization hold that later posts as a small fee.

Concora Credit itself states that debit-card payments may be processed through REPAY and that REPAY charges a $1.97 fee for each such payment.

If you have never heard of Concora Credit, check whether you recently opened a store credit card, private-label financing plan, or similar product that is serviced by Concora.

How to Verify the Charge

Use this quick checklist:

1. Look at the exact date and amount of the Repay CCI line item.
2. Search the same statement (or the days around it) for a larger charge from “Concora Credit Inc” or a similar name.
3. Log into any Concora Credit account or app you may have and review recent payment history.
4. Check your email for payment confirmation receipts from Concora or REPAY.
5. Call REPAY customer service at 877-607-5468 and ask them to identify the merchant and transaction details linked to the charge.
6. You can also contact Concora Credit directly at 866-502-6439 and ask about recent payments on any account under your name.

Matching dates and amounts between the Repay CCI fee and a Concora payment almost always confirms the charge is valid.

Is It Legitimate or Fraud?

Legitimate scenarios are the norm:

• You (or an authorized user) paid a Concora Credit balance with a debit card.
• The $1.97 is the disclosed processing fee for that payment method.
• The charge posts from REPAY’s Georgia location, which matches their headquarters.

Warning signs that deserve a closer look:

• You have no Concora Credit account and never made any related payment.
• Multiple unexplained Repay CCI charges appear without matching Concora payments.
• The amount is significantly higher than the usual $1.97 fee and you do not recognize any related activity.
• The charge continues after you have closed any related accounts.

REPAY itself does not initiate charges. It only processes payments on behalf of its merchant clients.

If the underlying payment was authorized, the fee is expected. If nothing matches your records, treat it as potentially unauthorized and contact both REPAY and your bank.

How to Stop Future Repay CCI Charges

Because this is a processing fee rather than a subscription, “cancellation” works differently:

1. Log into your Concora Credit account (or call 866-502-6439) and change your payment method to ACH/bank transfer or another option that does not route through REPAY’s debit processing.
2. Turn off any automatic debit-card payments.
3. If you no longer want the Concora Credit product, request account closure in writing and confirm that no further payments will be attempted.
4. After making changes, monitor your statements for one or two billing cycles to confirm the $1.97 fees have stopped.

REPAY cannot cancel a merchant’s payment instructions. You must update the payment method with the actual company (Concora Credit or whichever merchant used REPAY).

Can You Get a Refund?

The $1.97 fee is charged by REPAY for the service of processing the debit payment. Refunds are not automatic.

• First contact Concora Credit and explain the situation. They may be able to reverse or credit the fee in certain cases.
• You can also call REPAY at 877-607-5468 and request a review, though they typically refer customers back to the merchant.
• If the entire underlying payment was unauthorized, dispute both the main charge and the REPAY fee with your bank or credit-card issuer. Credit cards generally offer stronger protections than debit cards.

Act quickly. Most banks have time limits (often 60 days from the statement date) for disputes.

What to Do If the Charge Is Unauthorized

1. Call your bank or card issuer right away, report the charge as unauthorized, and ask them to block future REPAY or Concora-related transactions if appropriate.
2. Contact REPAY at 877-607-5468 and Concora Credit at 866-502-6439. State that you did not authorize the payment and request documentation.
3. Keep written records of every call and email (dates, names, reference numbers).
4. If needed, request a new debit or credit card number and specifically ask the issuer not to transfer any recurring payments.
5. File a report with the Federal Trade Commission at ReportFraud.ftc.gov if you believe fraud is involved.
6. Monitor your accounts and credit reports for any additional unusual activity.

Prevention Tips

• Prefer ACH or bank-account payments over debit-card payments when paying credit accounts, because they usually avoid the $1.97 convenience fee.
• Turn on real-time transaction alerts for every card and bank account.
• Review statements within a few days of each posting instead of waiting for the monthly summary.
• Keep a simple list of all credit accounts and automatic payments.
• When opening any new credit product, note the exact payment methods and any third-party processors mentioned.
• Use a dedicated secondary card or virtual card number for online account payments when possible.
• After closing an account, confirm in writing that no further payments will be attempted.
• Check email (including spam) for payment receipts so you can match them to statement lines quickly.

Common Descriptor Variations

Statement Text	Typical Meaning
REPAY CCI	REPAY processing fee for Concora Credit
REPAY CCI 877-6075468 GA	Same, with REPAY phone and Georgia code
Concora Credit Inc	Main payment to the credit account
REPAY + other merchant code	Payment processed for a different REPAY client

FAQs: Repay CCI Charge on Bank Statement

Q. Why is the Repay CCI charge usually $1.97?

A. That is the fixed convenience fee REPAY charges when you pay a Concora Credit balance with a debit card. The main payment posts separately.

Q. Is REPAY the same company as Concora Credit?

A. No. REPAY is the payment processor. Concora Credit is the company that issued or services the credit product. REPAY simply moves the money and adds its processing fee.

Q. Can I avoid the fee in the future?

A. Yes. Switch your payment method to an ACH bank transfer or another option that does not use REPAY’s debit processing. Contact Concora Credit to make the change.

Q. What if I never opened a Concora Credit account?

A. Call both REPAY (877-607-5468) and Concora Credit (866-502-6439) with the exact charge details. If neither can match it to an account under your information, dispute the charge with your bank immediately.

Conclusion

A Repay CCI charge on bank statement is almost always the $1.97 processing fee charged by REPAY when a debit-card payment is made to a Concora Credit account. It is a legitimate third-party fee, not a subscription or random merchant charge.

Match it to a corresponding Concora payment, update your payment method if you want to avoid future fees, and contact REPAY or Concora directly if anything looks incorrect.

Checking statements promptly and choosing ACH payments when possible keeps these small fees from becoming surprises.

Disclaimer: This article is for informational purposes only and is not financial, legal, or professional advice. Company policies, fees, and contact details can change. Always verify current information directly with REPAY, Concora Credit, and your bank or card issuer.

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